PFSI PennyMac Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NYSE: PFSI

Price (delayed)

$92.07

Market cap

$4.64B

P/E Ratio

31.86

Dividend/share

$0.8

EPS

$2.89

Enterprise value

$17.2B

PennyMac Financial Services, Inc. is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the ...

Highlights
PFSI's gross profit is down by 31% year-on-year but it is up by 2.3% since the previous quarter
The debt has grown by 15% year-on-year but it has declined by 2.8% since the previous quarter
The price to earnings (P/E) is 87% higher than the last 4 quarters average of 17.0
The company's net income has shrunk by 70% YoY and by 34% QoQ
Sector: Financial Services
Industry: Mortgage Finance
Website: http://www.pennymacusa.com
Peers: WRLD SLM FMCC

Key stats

What are the main financial stats of PFSI
Market
Shares outstanding
50.43M
Market cap
$4.64B
Enterprise value
$17.2B
Valuations
Price to earnings (P/E)
31.86
Price to book (P/B)
1.3
Price to sales (P/S)
3.28
EV/EBIT
93.65
EV/EBITDA
67.8
EV/Sales
12.27
Earnings
Revenue
$1.4B
EBIT
$183.63M
EBITDA
$253.65M
Free cash flow
-$1.62B
Per share
EPS
$2.89
Free cash flow per share
-$32.36
Book value per share
$70.88
Revenue per share
$28.05
TBVPS
$377.06
Balance sheet
Total assets
$18.84B
Total liabilities
$15.31B
Debt
$13.49B
Equity
$3.54B
Working capital
N/A
Liquidity
Debt to equity
3.81
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
49.5
Margins
EBITDA margin
18.1%
Gross margin
95%
Net margin
10.3%
Operating margin
13.1%
Efficiency
Return on assets
0.8%
Return on equity
4.1%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
13.1%
Dividend
Dividend yield
0.87%
DPS
$0.8
Payout ratio
27.7%

PFSI stock price

How has the PennyMac Financial Services stock price performed over time
Intraday
-0.77%
1 week
6.62%
1 month
2.15%
1 year
43.9%
YTD
4.19%
QTD
1.08%

Financial performance

How have PennyMac Financial Services's revenue and profit performed over time
Revenue
$1.4B
Gross profit
$1.33B
Operating income
$183.63M
Net income
$144.66M
Gross margin
95%
Net margin
10.3%
PennyMac Financial Services's operating income has shrunk by 72% YoY and by 40% QoQ
The company's net income has shrunk by 70% YoY and by 34% QoQ
PennyMac Financial Services's operating margin has shrunk by 61% YoY and by 41% QoQ
The net margin has dropped by 57% year-on-year and by 35% since the previous quarter

Growth

What is PennyMac Financial Services's growth rate over time

Valuation

What is PennyMac Financial Services stock price valuation
PFSI P/E details
P/E
31.86
P/B
1.3
P/S
3.28
EV/EBIT
93.65
EV/EBITDA
67.8
EV/Sales
12.27
The price to earnings (P/E) is 87% higher than the last 4 quarters average of 17.0
PennyMac Financial Services's EPS has plunged by 68% YoY and by 36% from the previous quarter
The price to book (P/B) is 30% higher than the last 4 quarters average of 1.0 and 18% higher than the 5-year quarterly average of 1.1
PFSI's price to sales (P/S) is 119% higher than its 5-year quarterly average of 1.5 and 31% higher than its last 4 quarters average of 2.5
The revenue has decreased by 29% YoY

Efficiency

How efficient is PennyMac Financial Services business performance
The company's return on invested capital has shrunk by 78% YoY and by 40% QoQ
The company's return on assets has shrunk by 74% YoY and by 33% QoQ
The ROE has plunged by 70% YoY and by 35% from the previous quarter
PennyMac Financial Services's ROS has plunged by 61% YoY and by 41% from the previous quarter

Dividends

What is PFSI's dividend history
Dividend details
DPS
$0.8
Dividend yield
0.87%
Payout ratio
27.7%
Recent dividends

Financial health

How did PennyMac Financial Services financials performed over time
PennyMac Financial Services's total assets is 23% more than its total liabilities
PennyMac Financial Services's total liabilities has increased by 15% YoY
PennyMac Financial Services's total assets has increased by 12% YoY
The debt has grown by 15% year-on-year but it has declined by 2.8% since the previous quarter
PFSI's debt to equity is up by 13% year-on-year but it is down by 2.1% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.